Trinity Life & Family Benefit Life

Trinity Life & Family Benefit Life are the two of the same, they are the same company simply different names. Both companies operate under their parent First Trinity Financial Corporation.

Both companies are small yet rapidly expanding companies. Trinity Life and/or Family Benefit Life currently is available in the following states (including MICHIGAN):

Both companies flagship whole life final expense policy is the GOLDEN EAGLE FINAL EXPENSE policy which features both simplified issue (level) and graded death benefits. The simplified issue (level) death benefit is between $2,500 and $25,000 for people ages 50-85. The graded death benefit offers a death benefit between $2,000 and $10,000 for ages 50 to 85. The firm also offers a permanent whole life insurance policy with premiums that are guaranteed for life and will not increase regardless of age or health.

HOW they can help you WHY Trinity and Family Benefit Life might be for you?

Trinity and Family Benefit policies we use as "pricebuster" policies for people that are looking for absolute lowest price policy. The other benefit is that both companies accept Direct Express (the little green card used by social security benefits recipients) and they will bill SSI/SSDI per the social security benefits calendar (only one other company does that)

Trinity and Family Benefit rates are most competitive for non-smokers. There are other carriers with "pricebuster" rates for smokers.

TRINITY LIFE AND FAMILY BENEFIT LIFE FAST FACTS

• First Year In Business: 1964
• Final Expense (Golden Eagle) Age Availability: 50-85
• Golden Eagle Face Amount Range: $2,500-$25,000
• 2 Year Waiting Period: No (subject to underwriting approval)
• State Availability: See State Table Above
• Optional Riders: Accidental Death, Waiver of Premium and Terminal Illness
• How To Apply: Mutual of Omaha is available through Affordable Final Expense (www.cheapestfinalexpense.com)
• Unique Features: Lowest price in the marketplace for non-smokers. Accepts Direct Express and will bill SSI/SSDI direct.
• Disadvantage: Relatively young company, the paper application process, people with health issues will need to speak with underwriting department (or work with a local agent)
• Underwriting Advantages (what health issues will they cover): Ask Agent

The Skinny on Trinity & Family Benefit Life | Our Opinion

As mentioned above, their prices are the lowest in the industry for non-smokers. Combined with their acceptance of Direct Express, SSI/SSDI, this is the perfect option for someone on a small fixed budget or income that received social security benefits.

• Fixed premiums that can never increase
• Permanent policies that cannot expire
• Coverage that cannot decrease in value
• Policies accumulate cash value

We have built a relationship with the back-office underwriting team, so here at Affordable Final Expense, we can get answers to underwriting health questions fairly fast. Most other companies have more widely known or publicly available underwriting standards, Trinity and Family Benefit are a little lacking in that regard.